Sharia Audit Officer (Re Announced)

Ghazanfar Bank, a full-fledged licensed commercial Bank, commenced its operations in March 2009. The Share Holders of the Bank belongs to one of the leading business groups of Afghanistan. As a leading business house Ghazanfar Group is involved in various key businesses sectors as a front runner such as import and distribution of Petroleum/Gas and other various important industrial sectors. Ghazanfar Bank started its operation in Kabul, Afghanistan, and is offering key financial services both under conventional and Islamic Banking. The Bank has since opened up its Branches at various key locations such as Mazar Sharif, Hairatan, Nayeb Abad Branch Kunduz, Takhar, Pule- Khumri, Jalalabad, Herat & Kandahar besides opening another eight branches at Kabul in Sarai Shahzada, Shar-e-Naw, Karte Naw, Kote Sangi, Lase Maryam, Karte Char, Kabul Airport Branch and Wazir Akbar Khan. In due course of time, the Bank intends to expand its Branch Network in Kabul as well as at other key locations of the Country

Ghazanfar Bank, a full-fledged licensed commercial Bank, commenced its operations in March 2009. The Share Holders of the Bank belongs to one of the leading business groups of Afghanistan. As a leading business house Ghazanfar Group is involved in various key businesses sectors as a front runner such as import and distribution of Petroleum/Gas and other various important industrial sectors. Ghazanfar Bank started its operation in Kabul, Afghanistan, and is offering key financial services both under conventional and Islamic Banking. The Bank has since opened up its Branches at various key locations such as Mazar Sharif, Hairatan, Nayeb Abad Branch Kunduz, Takhar, Pule- Khumri, Jalalabad, Herat & Kandahar besides opening another eight branches at Kabul in Sarai Shahzada, Shar-e-Naw, Karte Naw, Kote Sangi, Lase Maryam, Karte Char, Kabul Airport Branch and Wazir Akbar Khan. In due course of time, the Bank intends to expand its Branch Network in Kabul as well as at other key locations of the Country

1. Sharia Audit Planning & Execution

1. Sharia Audit Planning & Execution 1. Sharia Audit Planning & Execution

• Participate in preparing the annual Sharia Audit Plan based on risk assessment.
• Conduct field audits in branches and departments to verify adherence to Sharia guidelines.
• Examine financing files, contracts, documentation, and transaction flows for Sharia compliance.
• Test samples of Murabaha, Ijara, Musharaka, Mudaraba, and deposit transactions against Sharia standards.

Participate in preparing the annual Sharia Audit Plan based on risk assessment.

Participate in preparing the annual Sharia Audit Plan based on risk assessment.

Conduct field audits in branches and departments to verify adherence to Sharia guidelines.

Conduct field audits in branches and departments to verify adherence to Sharia guidelines.

Examine financing files, contracts, documentation, and transaction flows for Sharia compliance.

Examine financing files, contracts, documentation, and transaction flows for Sharia compliance.

Test samples of Murabaha, Ijara, Musharaka, Mudaraba, and deposit transactions against Sharia standards.

Test samples of Murabaha, Ijara, Musharaka, Mudaraba, and deposit transactions against Sharia standards.

2. Review of Contracts, Policies & Procedures

2. Review of Contracts, Policies & Procedures 2. Review of Contracts, Policies & Procedures

• Audit the implementation of Sharia-approved product structures and documentation.
• Ensure operational procedures match the product manuals approved by the Sharia Supervisory Board (SSB).
• Check whether staff are following required Sharia workflows (e.g., asset ownership, agency structures, disclosures, penalties handling).

Audit the implementation of Sharia-approved product structures and documentation.

Audit the implementation of Sharia-approved product structures and documentation.

Ensure operational procedures match the product manuals approved by the Sharia Supervisory Board (SSB).

Ensure operational procedures match the product manuals approved by the Sharia Supervisory Board (SSB).

Check whether staff are following required Sharia workflows (e.g., asset ownership, agency structures, disclosures, penalties handling).

Check whether staff are following required Sharia workflows (e.g., asset ownership, agency structures, disclosures, penalties handling).

3. Identification of Sharia Non-Compliance

3. Identification of Sharia Non-Compliance 3. Identification of Sharia Non-Compliance

• Identify Sharia violations, deviations, or gaps during audits.
• Discuss findings with relevant departments and agree on corrective actions.
• Ensure non-compliance events are recorded, reported, and resolved within the required timeframe.

Identify Sharia violations, deviations, or gaps during audits.

Identify Sharia violations, deviations, or gaps during audits.

Discuss findings with relevant departments and agree on corrective actions.

Discuss findings with relevant departments and agree on corrective actions.

Ensure non-compliance events are recorded, reported, and resolved within the required timeframe.

Ensure non-compliance events are recorded, reported, and resolved within the required timeframe.

4. Reporting & Documentation

4. Reporting & Documentation 4. Reporting & Documentation

• Prepare clear Sharia audit reports with observations, recommendations, and compliance ratings.
• Submit audit results to the Head of Sharia Audit and contribute to reports for the Sharia Supervisory Board.
• Maintain proper documentation of all audit working papers and evidence.

Prepare clear Sharia audit reports with observations, recommendations, and compliance ratings.

Prepare clear Sharia audit reports with observations, recommendations, and compliance ratings.

Submit audit results to the Head of Sharia Audit and contribute to reports for the Sharia Supervisory Board.

Submit audit results to the Head of Sharia Audit and contribute to reports for the Sharia Supervisory Board.

Maintain proper documentation of all audit working papers and evidence.

Maintain proper documentation of all audit working papers and evidence.

5. Follow-Up & Corrective Actions

5. Follow-Up & Corrective Actions 5. Follow-Up & Corrective Actions

• Follow up on previously reported Sharia findings to verify whether corrective actions were implemented.
• Work with business units, risk management, operations, and compliance teams to close audit issues.

Follow up on previously reported Sharia findings to verify whether corrective actions were implemented.

Follow up on previously reported Sharia findings to verify whether corrective actions were implemented.

Work with business units, risk management, operations, and compliance teams to close audit issues.

Work with business units, risk management, operations, and compliance teams to close audit issues.

6. Coordination & Support

6. Coordination & Support 6. Coordination & Support

• Coordinate with Internal Audit and Compliance Department for combined risk reviews.
• Provide Sharia guidance to departments during audits to improve their understanding and performance.

Coordinate with Internal Audit and Compliance Department for combined risk reviews.

Coordinate with Internal Audit and Compliance Department for combined risk reviews.

Provide Sharia guidance to departments during audits to improve their understanding and performance.

Provide Sharia guidance to departments during audits to improve their understanding and performance.

7. Capacity Building & Awareness

7. Capacity Building & Awareness 7. Capacity Building & Awareness

• Support the development of Sharia audit tools, checklists, and audit methodologies.
• Assist in internal awareness sessions on Sharia compliance requirements for staff.

Support the development of Sharia audit tools, checklists, and audit methodologies.

Support the development of Sharia audit tools, checklists, and audit methodologies.

Assist in internal awareness sessions on Sharia compliance requirements for staff.

Assist in internal awareness sessions on Sharia compliance requirements for staff.

8. Continuous Improvement

8. Continuous Improvement 8. Continuous Improvement

• Stay updated on AAOIFI Sharia standards, new fatwas, and industry best practices.
• Recommend improvements to Sharia audit processes and internal controls.

Stay updated on AAOIFI Sharia standards, new fatwas, and industry best practices.

Stay updated on AAOIFI Sharia standards, new fatwas, and industry best practices.

Recommend improvements to Sharia audit processes and internal controls.

Recommend improvements to Sharia audit processes and internal controls.

Qualifications & Experience

Qualifications & Experience Qualifications & Experience

• Bachelor’s degree in Islamic Studies, Sharia, Islamic Finance, Accounting, or Business Administration.
• Professional certification in Islamic finance or Sharia audit (preferred).
• 1–3 years of experience in Islamic banking, Sharia audit, internal audit, or compliance roles.
• Familiarity with AAOIFI standards and Islamic banking products.

Bachelor’s degree in Islamic Studies, Sharia, Islamic Finance, Accounting, or Business Administration.

Bachelor’s degree in Islamic Studies, Sharia, Islamic Finance, Accounting, or Business Administration.

Professional certification in Islamic finance or Sharia audit (preferred).

Professional certification in Islamic finance or Sharia audit (preferred).

1–3 years of experience in Islamic banking, Sharia audit, internal audit, or compliance roles.

1–3 years of experience in Islamic banking, Sharia audit, internal audit, or compliance roles.

Familiarity with AAOIFI standards and Islamic banking products.

Familiarity with AAOIFI standards and Islamic banking products.

Skills & Competencies

Skills & Competencies Skills & Competencies

• Strong understanding of Islamic banking and Sharia principles.
• Ability to analyze financial transactions and documentation.
• Good report writing skills with clarity and accuracy.
• Strong attention to detail and analytical mindset.
• Excellent communication and coordination abilities.
• High integrity, objectivity, and professionalism.

Strong understanding of Islamic banking and Sharia principles.

Strong understanding of Islamic banking and Sharia principles.

Ability to analyze financial transactions and documentation.

Ability to analyze financial transactions and documentation.

Good report writing skills with clarity and accuracy.

Good report writing skills with clarity and accuracy.

Strong attention to detail and analytical mindset.

Strong attention to detail and analytical mindset.

Excellent communication and coordination abilities.

Excellent communication and coordination abilities.

High integrity, objectivity, and professionalism.

High integrity, objectivity, and professionalism.

Applicants who meet the above requirements should submit their updated Curriculum vitae (CV)/Resume to (sr.recruitment-officer@ghazanfarbank.com)

Applicants who meet the above requirements should submit their updated Curriculum vitae (CV)/Resume to (sr.recruitment-officer@ghazanfarbank.com)

Please Mention specific Job Title in subject of your E-mail otherwise your Email will not be considered.

Please Mention specific Job Title in subject of your E-mail otherwise your Email will not be considered.

Note: only shortlisted candidates will be contacted for further recruitment process.

Note: only shortlisted candidates will be contacted for further recruitment process.